Study On The Availability And Influencing Factors Of Rural Policy Financing For Farmers

The issue of agriculture,rural areas and farmers has always been a major strategic issue at the national level in China.Rural farmers in China have huge financing needs in life or production.But in the process of financing,because of the restriction of the family funds,the subject matter type that can be used for the loan mortgage is very few and the scope is very narrow.Nor is it easy to find a surety,China's commercial formal and informal financial institutions have very strict conditions for lending to rural peasant families.The phenomenon of cautious lending,reluctance and fear of loans often occurs in rural peasant families.In other words,rural farmers in China have very serious financing constraints.Therefore,the study of policy-oriented financial institutions should play its professional role to alleviate the plight of farmers.In this paper,210 rural families in the east and west of Jiangxi province were investigated.This paper qualitatively analyzes the current situation of farmers' access to policy financing from the perspective of institutions and farmers.On the basis of this,it studies the factors that affect the demand of farmers' policy financing and the factors affecting the availability of rural policy financing by using statistical methods.The following conclusions are drawn: at present,rural families in Jiangxi Province generally have strong financing needs,but it is not easy to get the rural policy-oriented financial loans expected by them.The age of decision makers in rural households,the understanding of rural policy-oriented financial loans,the total assets of farmers,the total income of peasant households and the total expenditure have a significant impact on the financing or loan needs of farmers.The educational background of farmers,understanding and mastering the situation of policy-oriented financial loans,the credit status of farmers,the total assets,social relations,and the types of household management have significant influence on the availability of policy financing of farmers.In order to help solve the problem of limited family financing in rural areas of eastern and western Jiangxi at this stage,and to improve the availability of policy financing for rural families,This study proposes to construct a cooperative development system of rural financial institutions,which is dominated by rural policy-oriented finance,to increase the publicity of rural policy-oriented financial loans or financing,and to expand farmers' understanding of policy-based financial loans.Perfecting the guarantee system of Rural Policy-oriented Financial support.